How multi-currency works
Every amount stays in the currency it was recorded in. Your base currency is a lens for totals — it never rewrites history.
Updated Jul 30, 2026
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Fyncora is built for people whose money doesn't all sit in one currency — a euro salary, a dollar brokerage account, a pound account left over from living abroad.
The rule behind everything is short: an amount is stored exactly as you entered it, in its account's currency. Your base currency is a lens for totals, not a rewrite of history.
What that means in practice
A €47.82 shop in Ljubljana and a $32.27 order on a US card are two different amounts in two different currencies. Fyncora shows each of them the way it happened:
- A single transaction, balance or bill always displays in its own currency. A charge on a
dollar card reads
$32.27, whatever your base currency is. - Totals, charts and reports are converted into your base currency so they can be added up at all — and they say so.
Warning: a converted total is an approximation, and Fyncora labels it as one ("Includes amounts converted to EUR at recent rates, so these totals are approximate"). Don't reconcile a converted figure against a bank statement to the cent — compare the native amounts instead.
Setting your base currency
- Open Settings → Finance → Preferences.
- Choose your base currency.
- Confirm when asked.
You'll see every total re-expressed in the new currency. Individual rows won't change — because they were never in the base currency to begin with.
Tip: set this before you add many accounts. New accounts default to your base currency, which saves you correcting each one.
Giving an account its own currency
Each account carries its own currency, chosen when you create it:
- Open Accounts and select Add account.
- Fill in the name and type.
- Set Currency to whatever the account is actually denominated in.
- Enter the starting balance in that currency.
Transfers between currencies
Moving money between two accounts in different currencies needs one extra number: the amount that actually arrived.
- Create a transfer as usual and pick the two accounts.
- Enter the amount that left the source account.
- Enter the amount that landed in the destination account.
Fyncora deliberately refuses to guess the second figure from an exchange rate. Your bank's spread and fees mean a computed guess would be wrong — and here a wrong number wouldn't just look odd, it would leave a balance that doesn't match reality.
Where the rates come from
Conversions use daily reference rates published by the European Central Bank, stored per day. That matters for history: a total from March is converted with March's rates, so last quarter's report doesn't quietly change when today's rates move.
If a rate for some currency genuinely isn't available, Fyncora excludes those amounts from the total and tells you which currency was left out. It will not count 100 CHF as 100 EUR to make a number look complete.
FAQ
Why is my total slightly different from my bank's? Converted totals use daily reference rates, not the rate your bank charged at the moment of purchase. The native per-transaction amounts are exact; the converted sum is an estimate.
Do investments convert too? Yes — a holding is converted from its security's currency, which is often different from the account it sits in.
Can I see a total in a currency that isn't my base one? Not today. Change the base currency to change the lens; nothing about your stored data moves.
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